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Goods In Transit

Independent service from your local insurance specialists

Need a goods in transit insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality goods in transit insurance protection.  Your local Coversure office can tailor protection to your delivery business’s needs, so start your quote today.

Goods In Transit

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What Is Goods In Transit Insurance?

Goods in transit insurance (also known as GIT insurance) insures your property if it is lost, stolen, damaged, or not delivered while it is being moved. This flexible policy can protect many types of drivers,
  • Couriers
  • Companies delivering customer orders
  • Firms moving supplies or stock from site to site
  • Warehouses collecting goods for storage

Please note that GIT insurance only covers the goods you are transporting, not your vehicle.  In addition to goods in transit insurance, you will need a commercial vehicle, van, or truck insurance policy, depending on the vehicle you use.

Who Needs Goods In Transit Insurance?

Goods in transit and public liability insurance is suited to anyone who transports goods for payment or moves their own goods around.  This being the case, it’s an important cover for:

  • Couriers
  • Hauliers
  • Businesses that deliver orders to their customers
  • Removal and relocation businesses
  • Companies that move supplies from one site to another
  • Fast food delivery drivers
  • Businesses moving offices

When taking out GiT insurance, it’s a good idea to discuss with your broker the things you typically transport so they can help you get the protection you need.

What can Goods In Transit Insurance cover?

When getting a goods in transit insurance quote, you’ll want to make sure that it includes:

UK, EU, and Worldwide Protection

Does your delivery job require you to leave the country with loads?  A goods in transit policy from Coversure can protect it and your personal effects whether you’re in the UK, Europe, or elsewhere in the world

Personal Effects

You’ll likely have personal possessions in your vehicle.   Personal effects cover provides financial protection if any of your things are stolen or damaged while driving.  Particularly useful for long-distance drivers who need home comforts for their journeys


You’ll be covered if a delivery is stolen while in your vehicle.  With vehicle-related thefts on the rise* this is a wise cover for couriers and those in the haulage industry.  If you are a truck driver doing long-distance routes and need to take breaks, then make sure your policy protects your loads during overnight parking or periods where you are not in your vehicle


If a package gets damaged while in your care and your customer makes a claim, GIT will protect you from any losses.  This doesn’t just apply to fragile and easy-to-break packages; it can protect you against things like water damage to documents or damaged boxes that could prevent the customer from returning them

Loss of Goods

If you happen to lose an item while making your deliveries, this will assist with the costs of compensating your customer for its loss. With goods in transit insurance through your local Coversure, you can set specific cover limits for this.  Do bear in mind that this will only cover goods while they are in transit

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

How Much Does Goods In Transit Insurance Cost?

The cost of your policy will depend on several factors, including:

  • The value of the goods you’re carrying
  • The routes you are working
  • Your claims history
  • Whether you want to pay monthly or annually – annually will usually be cheaper
  • Your no claims bonus

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Goods In Transit cover for you.

Goods In Transit Insurance FAQ

This can be a complex area of cover, so to help you get the protection you need, here are Coversure’s goods in transit frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure office.

No, but some customers may insist on you having sufficient cover in place

No, its suitable for anyone who is moving goods

No, for that, you’ll need a suitable car, van, or truck insurance policy

Yes, and while these will be detailed in your policy, typical ones include specific cargos – such as human organs, livestock, explosives, or other high-risk items.  Claims may also be refused on the grounds of:


  • Poor/defective packaging
  • Shortage in weight
  • Thefts from unlocked, unattended vehicles
  • Damage that derives from dangerous driving
  • Confiscation by the police/authorities

Yes, so long as the vehicle is locked and parked in a secure place

No, it only covers goods that are in transit.  To protect items stored in a depot or warehouse, you’ll need business contents insurance

Getting a quote is easy; contact your local Coversure office or start your goods in transit insurance quote

Need a Goods In Transit Insurance quote?

If you’d like a Goods In Transit Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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